A versatile natural-born leader with a dynamic vision. Professional with a proven track record of managing and accomplishing complex goals while driving sound compliance and strategic initiatives. Extensive knowledge on loan review, credit management, allowance for loan losses (CECL), lending and collections. Over fifteen years of experience on the financial services industry, at institutions ranging in approximately $9B on total assets. Managing groups of over 120 employees engaged to develop new programs and turn-arounds on underperforming ones making them profitable through risk management. Strong accounting professional with a Bachelor's degree focused in Accounting from Universidad del Sagrado Corazón.